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credit is going to be available? >> pretty tight. credit is still tight. regulatory environment is still difficult. banks have got poor loan quality on overall basis of the businesses are looking at. business development corpse. there is microlending opportunities and crowd funding opportunities which is new basically angel investors with the fec has reduced some of their limitations for businesses to get funding. >> juliet: this seems like no brainer ecommerce is the way it is. cyber monday shows that. >> it's growing but still frankly at low levels. probably online sales are only about 7% of total sales. they estimate mobile commerce could be about a trillion in revenues in 2016, 2017. so ecommerce is growing significantly. there is is a loft businesses that are still not online and don't have an online presence. >> that makes no sense to me. a lot of businesses that don't know that they can go and create a simple web site to get online so you can jump on your mobile guess. if you are out looking for a pizza shop you are most likely looking for it on your mobile device. if you are not
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